NewExplained: Two Wheeler Insurance – The Complete Guid Post
In India today, man’s convenience comes at a much greater price than ever before; in most cases, it’s more expensive than what a two-wheeler could buy for him or her. It has now come to be the preference of those living their particular lifestyle; through the web of city traffic, a two-wheeler will take you to the limitless freedom of a busy highway. Rapidly growing numbers of vehicles on the roads have made accidents and mishaps an eventuality. Enter 2-wheeler insurance for these future eventualities. Aapkapolicywala.com is all about making you understand why insurance is a must for your ride and ensuring that you are pretty well-protected for any future unforeseen circumstances.
What is Bike Insurance?
Most commonly known as bike insurance, 2 Wheeler insurance is a type of policy that protects your motorcycle or scooter from a myriad of hazards. The former includes accidents, thefts, natural disasters, and third-party liabilities, among others. With a number of comprehensive two-wheeler insurance policies, aapkapolicywala.com has features meant to interest various types of riders.
Legal Requirement: Under the Motor Vehicles Act, 1988, at least third-party insurance is compulsorily required to be held by every two-wheeler owner. Otherwise, it could attract huge fines, and in some specific instances, even imprisonment to some extent if somebody fails to do the same.
Financial Protection: Accidents lead to enormous costs in repairs and can theoretically make you lose your motorcycle forever. A comprehensive two-wheeler insurance policy from Aapkapolicywala.com will protect you.
Theft Coverage: With rising cases of vehicle theft in the country, you can never be too careful when it comes to ensuring that your bike has insurance cover against loss. With Aapkapolicywala.com, you have nothing to fear about any theft issues with your bike.
Natural Calamities: India is prone to suffer from the calamities of floods, earthquakes, and cyclones. Any one of these can completely damage your two-wheeler and result in heavy damage. A good insurance policy will give you cover against such damage, hence saving you from the pocket expenses for its repairs.
Third-Party Liability: Any damage caused to third-party property or people by your bike falls under your liability for payment. These liabilities fall under third-party insurance, which you have mandatorily to buy with 2 wheeler insurance. In times of any mishappening, these will help save you from legal hassles.
Types Of 2 Wheeler Insurance Available:
These 2 wheeler insurance policies at aapkapolicywala.com have two major types catering to the overall generic needs of the two-wheeler owners. Explore them today to find the perfect coverage for your bike or scooter!
Third Party Liability Insurance: It is the most basic form and, by law, the same is mandatory, as it indemnifies one against any legal liabilities arising due to the involvement of a bike in an accident resulting in any injury or death, or even damages to property of a third party. On the other hand, it does not bear any expense for damage caused in regard to one’s own vehicle.
Comprehensive Insurance: As is clear from its name, comprehensive insurance provides much larger coverage compared to any other. It encompasses third-party liability along with your bike’s safeguard from accidents, theft, fire, and natural calamities. The best part is that Aapkapolicywala.com has add-ons that enhance the coverage from the policy even further, such as zero depreciation, roadside assistance, and engine protection.
Key Features and Advantages of 2 Wheeler Insurance from Aapkapolicywala.com
Cashless Garage Network: Aapkapolicywala.com boasts one of the widest and quite extensive networks of cashless garages in India to ensure that your bike is repaired without any hassle. The insurance provider will directly settle the bills with the garage; you are saved from much trouble.
24/7 Customer Support: Just in case you ever require assistance with a claim, or even if you have some queries regarding your policy, our customer service desk is there to help you 24/7.
Easy Online Renewal: Renewing your 2-wheeler insurance policy is just a click away. Aapkapolicywala.com, which allows for online premium charging, issues a soft copy for renewal without paperwork and human delays.
NCB (No Claim Bonus): If no claim is made under this policy during the period, then at the time of renewal of the policy, you will be entitled to a No Claim Bonus. The same bonus, while being renewed, may considerably deduct the amount due as premium. At aapkapolicywala.com, you are assured of your maximum NCB for being a responsible rider.
Payment can be made through easy installments: Aapkapolicywala.com realizes the fact that everybody’s pocket is different. Hence, it brings forth this feature which allows you to pay your premium through easy installments.
Instant issuance of policy : Buy 2 wheeler insurance policy from Aapkapolicywala.com and instantly download the policy document through email. Instant issuance ensures protection from the moment of payment itself.
How to Choose the Right 2 Wheeler Insurance with Aapkapolicywala.com
If at all you are having a bit of a hard time selecting proper two-wheeler insurance, then just leave it to the experts at aapkapolicywala.com to simplify matters for you. Here is what you can use to get the best policy for back:
Check what kind of coverage you need. If you own a new, high-priced bike, you will certainly want a comprehensive policy with add-ons—say, zero depreciation. For older ones, there could be third-party insurance.
Compare Policies: Compare various 2-wheeler insurance policies on Aapkapolicywala.com side by side. You tell us, amongst them, which is that top policy that offers the maximum coverage at a very reasonable premium, and we will choose that policy for you.
Check Reputation of Insurer: It is very important that you go in for an insurer who has a good record in claim settlement and customer service. Aapkapolicywala.com associates itself with the most reputed insurance companies in India, which helps you in availing the best services.
Add More Make-Up Riders: Riders such as roadside assistance, engine protect, and personal accident cover give that extra oomph in your coverage. Consider these based on the kind of riding you do, where you do most of the riding, and when you ride most.
Understand the process of the claim: Prior to purchasing any policy, understand how the policy needs to be claimed. Aapkapolicywala.com has introduced a hassle-free claim settlement procedure for you to have your bike back on the road in acceptable condition in case of a mishap.
Generally, filing a claim is a quite painful process; however, at Aapkapolicywala.com, the company has endeavored to smoothen the things up:
Report the Incident: In case there is an accident or damage is due to theft, report to the insurance company as soon as possible through Aapkapolicywala.com. Fill in the details about where and when the incident took place, and what kind of incident has occurred.
Document the Damage: Take pictures of the damage to your bike and evidence supporting the claim.
Submit the Claim: You have to submit the claim in the form with necessary documents on the Aapkapolicywala.com web portal and in the events like offers, policy, driving license, RC book, and FIR in case of theft.
Survey and Authorization: After filling the claim, the insurance company will send a surveyor to estimate the damage. After this, a report will be prepared based on which the claim will be authorized and you would be informed about what should be done next.
Repair and Liquidation: If you opt for a cashless garage, the repair costs are directly liquidated by the insurance company, but if you go for a reimbursement, you will have to liquidate the repair costs, and the insurance company will reimburse you after verifying and approving the claim amount.
Tips To Lower 2 Wheeler Insurance Premiums
While it is highly recommended to get comprehensive coverage, it is bound to have ways through which you can lower the premium without compromising the protection. They include the following:
Maintaining a Clean Driving Record: Avoiding violation of traffic rules, breaking LTC rules, and accidents will surely get you a lower premium because such a good driving record will certainly guarantee the same.
Higher Voluntary Deductible One can opt for a higher voluntary deductible at the time of purchasing a car insurance policy. An option available wherein the insured agrees to bear part of the claim amount voluntarily is to opt for a higher voluntary deductible. This will help one reduce the premium payable on the policy.
NCB Availment: Extensively use No Claim Bonus. You can achieve a high discount on the premium amount during the renewal by utilizing NCBs.
Installation of Anti-Theft Devices: If you install some of these anti-theft devices, approved by ARAI, it can eliminate the risk of bike theft, which will reduce your premium.
Renew Your Policy Timely: Renew your policy before it expires to be continuously covered and avoid the penalties. aapkapolicywala.com sends reminders and provides easy renewal options.
Conclusion: Trust Aapkapolicywala.com for Your 2 Wheeler Insurance Needs
“In a country where two-wheelers become an inseparable part of everyday life, the right insurance for it becomes indispensable. Aapkapolicywala.com strives to find comprehensive yet affordable two-wheeler insurance, which is just right to meet the requirements of every rider. Along with its widest range of policies to choose from, exceptional customer service, and ease of navigating through the online platform, making protecting your bike easier than ever is Aapkapolicywala.com.”.
Whether for bike insurance, Aapkapolicywala.com caters to all sorts of solutions, for an experienced rider or a new owner. Now ride with full assurance under the guidance of experts at Aapkapolicywala.com, provided with full support for you and your bike against any mishap. So don’t wait for much longer; just log into Aapkapolicywala.com and identify your 2 wheeler insurance.